California auto insurance can be expensive for many people in the state. In fact, California has some of the highest premiums in the United States for auto insurance. Of course, you do not have to have the greatest driving record or credit to get decent rates, but you will want auto insurance coverage that is both affordable and reliable. Before you go shopping for auto insurance, you may want to know as much about California state auto insurance requirements as you can. Every state has a minimum amount of insurance that you must have to get your vehicle licensed and California is no exception to this rule. If you want to have your vehicle on the road legally, you will have to adhere to these state laws.
The state of California requires that all drivers have liability insurance at the minimum. Liability insurance will cover the costs of another person’s assets if you are in an accident of some sort. In the event that you are responsible for causing an accident, your liability insurance may cover some of the medical bills for any passengers you may have, but not always. It depends on how bad the accident is and how much those medical bills might be. Liability will cover those who were in the other vehicle or any pedestrians. Minimum coverage in California is fifteen thousand dollars for injuries to each person. You must also have thirty thousand dollars worth of coverage for all the people that may be in the second vehicle. You will also need six thousand dollars worth of coverage to compensate them for their automobile or for any property damage. Of course, this coverage is not always enough to cover everything in the event of a larger accident. In this case, you may want to buy some more coverage.
Because even minimum coverage is fairly expensive, you may need to seek out cheap California auto insurance. Many people in this state have to look to cheap insurers to help them acquire the best rates that they can and to also obey the state laws. Searching the internet for insurers and auto insurance quotes in a great place to start. However, calling insurers is another great way to obtain quotes. Sometimes, it is preferable to get an insurer on the phone so that you can ask them any questions you may have about a policy.